1, and the interest rate for less than one year (including one year) is 4.35%.

2. The interest rate for one year to five years (including five years) is 4.75%.

The interest rate for more than five years is 4.9%.

4. The interest rate for using provident fund loans for less than five years (including five years) is 2.75%, and the interest rate for more than five years is 3.25%. The loan interest rate is the interest rate charged by banks and other financial institutions to borrowers when they issue loans.